PPI Reclaiming Discussion part 4

Dirks_Engine_Room

An email I've just sent to Mr Hester:

Dear Mr Hester,

I have been a loyal customer with Natwest since 1991. I am the last of my family to still bank with Natwest.

I have been trying for over a month now to get a response from Natwest/RBS regarding a PPI case.

PPI/*****

This complaint for PPI mis-sell was initially submitted in August 2010. In November 2010, Upon the 8 week deadline I recieved a letter which I believed would be a decision. In fact it was letter to say my complaint was on hold due to the well documented Judicial Review. Therefore, I patiently waited, along with many others for the legal processes to play out.

After a decision was reached I e-mailed on 23rd April 2011 for an update - No response. I then e-mailled again on 9th May to Natwest and RBS. I received an e-mail back on 11th May saying that I would here within 10 days. I have received nothing from Natwest or RBS.

I have received a generic letter from RBS thanking me for my patience and that my complaint would now be dealt with. I rang on 19th May for an update to be told complaints were being dealt with. I rang again on 27th May and spoke to gentleman (Mr *******) who informed me that he was still waiting for a green light to look at cases on hold and that mine was one of them. He said the letter was an error. He did say my case was near the top of the pile.

When do RBS intend to look at these cases as the letter I received on 11th May was extremely misleading.

I have been a customer with Natwest for 20 years and feel this level of service is unacceptable. I feel completely in the dark as to what is going on and that a simple response seems beyond Natwest. This is not 'helpful banking'. If I am not satisfied with a response regarding this I will terminate my banking with Natwest/RBS. This is something I do not really want to do but I feel so disillusioned with the whole process.

PPI/*****

This case was rejected by Natwest in July 2010, and upheld by the adjudicator in January 2011. RBS refused to acknowledge this decision due to the Judicial Review. Therefore it has now been sent to Ombudsman.

Can Natwest/RBS now look at this case again and make a decision rather than waiting for the ombudsman. Mr ******* gave me a number for a Mr **** but when dialled this number - it did not work.

As stated previously, I am extremely disillusioned with the whole process and feel that extremely let down by the bank I used to be able to say I was proud to be a customer of and associated with.

I look forward to hearing your response.


Hope this moves them on a bit.

beamerguy

mapleoak wrote: »

Hello,

I am looking to put in a claim for missold PPI on a M&S Credit Card who duly sent me a copy of my original Storecard agreement going back to October 1994 (the PPI box wasn't ticked). I rang them about ten days ago and asked if they could send me a copy of the Mastercard agreement dating from 2003 (when the Storecard was replaced with a CC) which they said they would. Then I rang them a week ago and was told it was posted out on the 26th May. Nothing arrived up until today so I thought I would just confirm that it had been sent out, to be told no, it hadn't been posted out it was requested from the Microfiche Dept on the 26th, so it actually wasn't on the way. I presume this is common practice but any idea how long it takes to retrieve this sort of thing? I am hanging fire on posting the questionnaire pending what is or isn't on the agreement - assuming they can find one of course as I don't recall signing one back then.

Regards

M & S like Virgin, Tesco, Sainsburys ..... the list goes on, actually do not provide credit cards, they use their name to promote financial services which mostly are provided by MNBA, a European set up of the Bank of America.
The PPI offered by MNBA is a scam, they use an insurance company in S. Ireland (outside of UK laws). The Insurance company St Andrews provide very tatty policies and actually traces back to Lloyds TSB

A BIG Can of worms is about to open, I wonder if Richard Branson as just one being Virgin, IS AWARE of the huge scam MNBA operate in the UK

This PPI scam operated by MNBA could destroy the good names of Marks and Spencer, Sainsury's, Tesco, Virgin ... etc etc.

di3004

mapleoak wrote: »

Hello,

I am looking to put in a claim for missold PPI on a M&S Credit Card who duly sent me a copy of my original Storecard agreement going back to October 1994 (the PPI box wasn't ticked). I rang them about ten days ago and asked if they could send me a copy of the Mastercard agreement dating from 2003 (when the Storecard was replaced with a CC) which they said they would. Then I rang them a week ago and was told it was posted out on the 26th May. Nothing arrived up until today so I thought I would just confirm that it had been sent out, to be told no, it hadn't been posted out it was requested from the Microfiche Dept on the 26th, so it actually wasn't on the way. I presume this is common practice but any idea how long it takes to retrieve this sort of thing? I am hanging fire on posting the questionnaire pending what is or isn't on the agreement - assuming they can find one of course as I don't recall signing one back then.

Regards

Hiya

The timescale on requesting for copies of agreements is that of 12 days, so with the bank holiday as well, just give it a few days longer, chase them up again just to make sure its sent..
Its possible the postal office have a backlog just because of one day, good luck.;)

di3004

Dirks_Engine_Room wrote: »

An email I've just sent to Mr Hester:

Dear Mr Hester,

I have been a loyal customer with Natwest since 1991. I am the last of my family to still bank with Natwest.

I have been trying for over a month now to get a response from Natwest/RBS regarding a PPI case.

PPI/*****

This complaint for PPI mis-sell was initially submitted in August 2010. In November 2010, Upon the 8 week deadline I recieved a letter which I believed would be a decision. In fact it was letter to say my complaint was on hold due to the well documented Judicial Review. Therefore, I patiently waited, along with many others for the legal processes to play out.

After a decision was reached I e-mailed on 23rd April 2011 for an update - No response. I then e-mailled again on 9th May to Natwest and RBS. I received an e-mail back on 11th May saying that I would here within 10 days. I have received nothing from Natwest or RBS.

I have received a generic letter from RBS thanking me for my patience and that my complaint would now be dealt with. I rang on 19th May for an update to be told complaints were being dealt with. I rang again on 27th May and spoke to gentleman (Mr *******) who informed me that he was still waiting for a green light to look at cases on hold and that mine was one of them. He said the letter was an error. He did say my case was near the top of the pile.

When do RBS intend to look at these cases as the letter I received on 11th May was extremely misleading.

I have been a customer with Natwest for 20 years and feel this level of service is unacceptable. I feel completely in the dark as to what is going on and that a simple response seems beyond Natwest. This is not 'helpful banking'. If I am not satisfied with a response regarding this I will terminate my banking with Natwest/RBS. This is something I do not really want to do but I feel so disillusioned with the whole process.

PPI/*****

This case was rejected by Natwest in July 2010, and upheld by the adjudicator in January 2011. RBS refused to acknowledge this decision due to the Judicial Review. Therefore it has now been sent to Ombudsman.

Can Natwest/RBS now look at this case again and make a decision rather than waiting for the ombudsman. Mr ******* gave me a number for a Mr **** but when dialled this number - it did not work.

As stated previously, I am extremely disillusioned with the whole process and feel that extremely let down by the bank I used to be able to say I was proud to be a customer of and associated with.

I look forward to hearing your response.


Hope this moves them on a bit.

Excellent :T:T hope they'll listen now, they want to.:D
Fingers crossed.;)

beamerguy

Dirks_Engine_Room wrote: »

An email I've just sent to Mr Hester:

Dear Mr Hester,

I have been a loyal customer with Natwest since 1991. I am the last of my family to still bank with Natwest.

I have been trying for over a month now to get a response from Natwest/RBS regarding a PPI case.

PPI/*****

This complaint for PPI mis-sell was initially submitted in August 2010. In November 2010, Upon the 8 week deadline I recieved a letter which I believed would be a decision. In fact it was letter to say my complaint was on hold due to the well documented Judicial Review. Therefore, I patiently waited, along with many others for the legal processes to play out.

After a decision was reached I e-mailed on 23rd April 2011 for an update - No response. I then e-mailled again on 9th May to Natwest and RBS. I received an e-mail back on 11th May saying that I would here within 10 days. I have received nothing from Natwest or RBS.

I have received a generic letter from RBS thanking me for my patience and that my complaint would now be dealt with. I rang on 19th May for an update to be told complaints were being dealt with. I rang again on 27th May and spoke to gentleman (Mr *******) who informed me that he was still waiting for a green light to look at cases on hold and that mine was one of them. He said the letter was an error. He did say my case was near the top of the pile.

When do RBS intend to look at these cases as the letter I received on 11th May was extremely misleading.

I have been a customer with Natwest for 20 years and feel this level of service is unacceptable. I feel completely in the dark as to what is going on and that a simple response seems beyond Natwest. This is not 'helpful banking'. If I am not satisfied with a response regarding this I will terminate my banking with Natwest/RBS. This is something I do not really want to do but I feel so disillusioned with the whole process.

PPI/*****

This case was rejected by Natwest in July 2010, and upheld by the adjudicator in January 2011. RBS refused to acknowledge this decision due to the Judicial Review. Therefore it has now been sent to Ombudsman.

Can Natwest/RBS now look at this case again and make a decision rather than waiting for the ombudsman. Mr ******* gave me a number for a Mr **** but when dialled this number - it did not work.

As stated previously, I am extremely disillusioned with the whole process and feel that extremely let down by the bank I used to be able to say I was proud to be a customer of and associated with.

I look forward to hearing your response.


Hope this moves them on a bit.

Mr Hester is a waste of space, he is a very poor CEO of the RBS and if you remember, replaced the maniac Sir Fred Goodwin, why Goodwin still holds the the "Sir title" beggars belief .... he nearly destroyed the uk

Hester is only interested in £1m bonuses. He is not in the interests of the RBS and should resign, totally useless character

beamerguy

TV advert NatWest ????

HELPFUL BANKING

Oh boy, Anyone know what planet they live on ???

The_Marksman

beamerguy wrote: »

TV advert NatWest ????

HELPFUL BANKING

Oh boy, Anyone know what planet they live on ???

haha when has a bank ever been helpful! hehe:rotfl:

helpful at emptying your pockets:D

cazalee

Hi, appreciate any advice about critical illness policies. About 10 years ago husband and I took out first mortgage through a broker who also sold us a critical illness policy with Prudential. About 5 years later we moved, took out a bigger mortgage, and applied for a new critical illness policy with a different provider. That application was refused due to an existing medical condition. Question for us is, was the original Prudential policy ever valid?

We recently asked Prudential for a copy of our original application form and it shows that we did not complete any medical history, through a 'fast track' application process (we were under a certain age at time of application). Due to 2nd failed application we stuck with the Prudential and are still paying the policy, but now plan to cancel as the criteria under which it would actually pay out are so narrow we no longer feel it worth the premium (now around #50 per month).

Was the Prudential policy ever valid in the first place / would it have ever paid out? Incidentally, I also went part time a few years back, and wondering whether that holds any relevance to Critical illness cover...

di3004

cazalee wrote: »

Hi, appreciate any advice about critical illness policies. About 10 years ago husband and I took out first mortgage through a broker who also sold us a critical illness policy with Prudential. About 5 years later we moved, took out a bigger mortgage, and applied for a new critical illness policy with a different provider. That application was refused due to an existing medical condition. Question for us is, was the original Prudential policy ever valid?

We recently asked Prudential for a copy of our original application form and it shows that we did not complete any medical history, through a 'fast track' application process (we were under a certain age at time of application). Due to 2nd failed application we stuck with the Prudential and are still paying the policy, but now plan to cancel as the criteria under which it would actually pay out are so narrow we no longer feel it worth the premium (now around #50 per month).

Was the Prudential policy ever valid in the first place / would it have ever paid out? Incidentally, I also went part time a few years back, and wondering whether that holds any relevance to Critical illness cover...

Hi there

I believe this one is for Dunstonh to help with, so I've posted a link to a "new thread" for you its still within the ppi reclaiming threads, but with it being separate it will not get missed, you can title it "Mortgage ppi help" if you want to. Good luck with this.
http://forums.moneysavingexpert.com/newthread.php?do=newthread&f=169

MrsHarrison

Hi. Just wanted to know if anyone has had success claiming PPI on behalf of a deceased person. My mother suffered a stroke leaving her unable to pay her credit card. Abbey National were contacted and we were unable to claim under the PPI. I ended up paying the balance from my savings. My mother later died.

Am I able to claim for the PPI and the balance I paid as I was wrongly advised by Abbey National when I contacted them?

Any advice/help would be appreciated. Thanks